Grain replaces your credit card by providing a revolving line of credit to your debit card based on your cash flow. No credit card or credit check needed. We empower you to manage your credit responsibly by offering credit you can afford and need for your day-to-day expenses all while helping you build positive credit history.

COVID-19 Response:
We want to help in any way we can. So effective immediately, we are temporarily cutting minimum payments due in half.

Grain is available nationwide in all states.


1. Sign up with any of the 1000+ banks we support.
2. Grain analyzes your cash flow and instantly offers you a revolving line of credit.
3. Transfer credit directly to your checking account and use your debit card as you normally would. Your credit limit automatically increases with good payment habits.


Automated Payments
Automate your payments so you never fall behind.

Overdraft Prevention
Prevent your checking account from sneaky overdraft fees. Grain automatically transfers credit to your account when you’re about to overdraft.

Automated Credit Builder
Automate your credit building without thinking about it. Grain transfers small amounts of credit to your checking account and repays it with zero interest.

Credit Score Monitoring
Monitor your credit score over time so you can track your progress and credit health.

Credit Reporting
We report to all 3 credit bureaus (Transunion, Equifax, Experian) to help build your credit score.

Personalized Credit Score Insights and Recommendations
Get personalized insights and actionable recommendations on how to improve your credit score with credit tips.

12% APR and 1% Finance Charge on Credit Advances. We don’t believe in unnecessary fees.

Bank-Level Encryption
256 bit bank-level encryption to protect all your data. We NEVER share your data.

FDIC-insured up to $250,000.

Grain is headquartered at:
505 14th St
Suite 900
Oakland, CA 94612

Grain Help Line:
1 (833) 755-0809

Grain Help Email:

Terms of Service:
Privacy Policy:

What’s New

Version 5.0.0

• Fixed session timeout login where some customers weren't able to login with biometric authentication after updating their password
• Fixed a UI bug in the update email screen where labels were overlapping
• Minor enhancements and bug fixes

Ratings and Reviews

4.8 out of 5
5.7K Ratings

5.7K Ratings

LatinGuy007 ,

Fantastic Product for Starting, rebuilding or Strengthening Credit

This is a legitimate and much needed service to those of us who are beginning, rebuilding or strengthening credit due to life experiences. I can say with the utmost confidence, no hard credit inquiry is performed as when I applied, I did not receive an alert from Experian, TransUnion or Equifax. I Live in California so it’s a state this product is currently available in. The developer as a courtesy should list the states it’s currently able to be offered in as to prevent frustration from applicants who apply and are approved only to then be informed, it’s not available in their state of residence. Application to approval for me was done in less than 10 minutes. Very streamlined and did not have to upload any documents or take photographs of my identification or selfies to verify identity. This product utilizes checking account data to analyze and assess cash flow as well as other banking behaviors in seeking to match the best credit line possible. Bear in mind nothing is ever guaranteed in life in the event a decline is received. As with any credit product, the customer will be given the reasons for a declined application. Common sense would have it if customer has positive bank account history, then approval is more likely than not. Thanks a million to the person or people who created this financial product.

Developer Response ,

Thank you so much for taking the time write out this review! We are so happy you are finding the product useful, smart and efficient. ♥️

germaindiop ,

Best thing I ever experienced in my life

I don’t even know where to start on this review. I’ve been trying to work with these folks for the past few weeks, but I wasn’t able to because I live in WA. The company was only working with 5 states at that time and now they’re going nationwide. I got approved in a matter of seconds for actually a real credit account. I highly recommend this for people who trying to work on their credit score because many banks won’t work with you with a 600 or lower unless you apply for the secured credit card. These folks are giving people like me a chance with a real credit card which is going to be your regular daily basis debit card. UNBELIEVABLE! I did have some technical issues when trying to connect my bank info, because I applied with a different email address the first time. I called customer service and it was fixed in less than 5 minutes. It was a black dude on the phone, did an awesome job man. After you get approved for a line a credit, people please make sure you’re responsible of your account and make payments on time. Stuff like this ain’t easy to find. My name is Germain by the way. This company deserves some LIKES, SHARE, THUMBS UP, and GOOD REVIEWS. ❤️❤️❤️

Developer Response ,

We are live nationwide now! You should be able to accept your offer. If you have any trouble, just reach out over email and we'll help you out.

Hay_hopson ,

Fast, easy, excited to build credit

I love this app. My husband and I are trying to buy a house in a year and I’m hopeful this will help us build our credit to where we need it to be. Income has never been an issue for us but credit always gets us denied even if our income is high. I’m so glad this app isn’t like that and bases it off your income. I have a question though and hopefully someone responds because I can’t find the info anywhere. I got approved for a 400 dollar credit line but have to pay a 200 dollar deposit. I don’t mind that at all, just confused on the process. If I put 200 deposit does that mean I’ll only have a 200 dollar credit line to withdrawal to my debit card or does it mean it’s 400 available and the 200 deposit just sits there in your grain account until you make the consecutive on time payments to get it back?

Developer Response ,

Thanks for the review! We are SO happy that you are using Grain to help you reach your financial goals. That is exactly the reason we built the app so hearing this from you gives us goosebumps. Also, great question on the security deposit. Once you put your $200 deposit down, it will clear in about 2-4 business days and then you'll have access to your credit line and it will be the $400 you were offered. You may be eligible for a refund if you have consecutive on-time payments and other factors such as the health of the account connected to Grain. I hope this helps answer your questions. If not - please email us at


Grain Technology, Inc.
43.3 MB

Requires iOS 11.2 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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